Mortgage Brokers in Berkshire

Total Result 33 - Page 1

GMAC RFC Ltd

GMAC RFC Ltd

5 Arlington Square, Downshire Way , Bracknell , Berkshire , RG12 1WA 0844 770 8100

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Carlton Financial Services

Carlton Financial Services

Carlton House, 7, Corsham Way , Crowthorne , Berkshire , RG45 6NN 01344 778877

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Millfield Osceola Financial Consultants Ltd

Millfield Osceola Financial Consultants Ltd

38-40 Station Rd, Twyford , Reading , Berkshire , RG10 9NT 0118 932 0600

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Think Mortgages Ltd

Think Mortgages Ltd

3 Faringdon Drive , Bracknell , Berkshire , RG12 9NT 01344 421333

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HSBC Bank plc

HSBC Bank plc

26 Broad St , Reading , Berkshire , RG1 2BU 0345 740 4404

HSBC is a high street bank with branches all over the UK. They offer various services including financial advice, loans, mortgages and insurance. It is one of the world's largest banking and finan...

Options Independent Mortgage Advisers

Options Independent Mortgage Advisers

6-8 Wokingham Road , Reading , Berkshire , RG6 1JG 0118 954 1000

Welcome to Options- "The Mortgage Experts" - Whether or not you might be buying your first home, moving home, or remortgaging it is good to have options. With over 25 years of expertise in advising an...

HSBC Bank plc

HSBC Bank plc

160 Crockhamwell Rd, Woodley , Reading , Berkshire , RG5 3JJ 0345 740 4404

HSBC is a high street bank with branches all over the UK. They offer various services including financial advice, loans, mortgages and insurance. It is one of the world's largest banking and finan...

Allensons Mortgage Advisors Ltd

Allensons Mortgage Advisors Ltd

46 Old Bath Rd, Charvil , Reading , Berkshire , RG10 9QR 0844 8150788

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Thameside Mortgage & Protection Ltd

Thameside Mortgage & Protection Ltd

8 Mayfields, Sindlesham , Wokingham , Berkshire , RG41 5BY 07956 355559

Right here at Thameside Associates, we specialize in offering you high quality, skilled Financial Recommendations that you would be able to believe. No matter your explicit necessities, whether or not...

Pure Financial Advice Ltd

Pure Financial Advice Ltd

10 Prince William Drive, Tilehurst , Reading , Berkshire , RG31 5WD 0118 943 1789

Pure Financial Advice is conventional Independent Financial Advisers in Tilehurst, Reading that considers within the ethos of giving advice. The principal Jerry Rubin has over 25 years of trade expert...

Allensons Ltd

Allensons Ltd

Market House, Market Place , Wokingham , Berkshire , RG40 1AP 0870 7770554

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HSBC Bank plc

HSBC Bank plc

1-2 Market Place , Wokingham , Berkshire , RG40 1AL 0345 740 4404

HSBC is a high street bank with branches all over the UK. They offer various services including financial advice, loans, mortgages and insurance. It is one of the world's largest banking and finan...

Astor Mortgage Advisors Ltd

Astor Mortgage Advisors Ltd

Broadway House, 21, Broadway , Maidenhead , Berkshire , SL6 1NJ 01628 531573

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Lloyds Bank

Lloyds Bank

19-21 Market Place , WOKINGHAM , Berkshire , RG40 1AP 0845 300 0000

Lloyds Bank is a high street bank that has branches nationwide. They offer various services including financial advice, loans, mortgages, saving accounts and insurance....

Ascot Wealth Management

Ascot Wealth Management

Venture House, 2 Arlington Square, Downshire Way , Bracknell , Berkshire , RG12 1WA 01344 624480

Our Services- -Most Funding plans, Onshore / Offshore Bonds, Unit Belief/ O.E.I.C’s Pension / Retirement Planning · Private Pensions, SIPP’s, Company Schemes, Annuity, Drawdown Options ...

HSBC Bank plc

HSBC Bank plc

9 High St , Bracknell , Berkshire , RG12 1DN 0345 740 4404

HSBC is a high street bank with branches all over the UK. They offer various services including financial advice, loans, mortgages and insurance. It is one of the world's largest banking and finan...

Blackwood Finance

Blackwood Finance

38 Priors Way , Maidenhead , Berkshire , SL6 2EL 0870 7441336

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First Rate Financial Consultants

First Rate Financial Consultants

21 Simkins Close, Winkfield Row , Bracknell , Berkshire , RG42 7QS 01344 890845

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HSBC Bank plc

HSBC Bank plc

35 High St , Maidenhead , Berkshire , SL6 1JQ 0345 740 4404

HSBC is a high street bank with branches all over the UK. They offer various services including financial advice, loans, mortgages and insurance. It is one of the world's largest banking and finan...

Financial Solutions 2000

Financial Solutions 2000

26 Leicester , Bracknell , Berkshire , RG12 0TS 01344 486396

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If you are looking for mortgage brokers in Berkshire, then you are in the right place. We are an online directory of mortgage brokers in the United Kingdom brokers who will assist you with the complete process of credit and mortgage in Berkshire.

All the mortgage brokers in Berkshire available on our directory are fully authorized and regulated by the financial conduct authority. They will offer complete mortgage in Berkshire solutions including mortgage in Berkshire advice, protection advice, and all other mortgage-related financial services. You can filter your search as per your occupation too. It does not matter if you are self-employed, employed or business owner, you can search for a broker with the needed expertise.

Getting a mortgage in Berkshire is one of the riskiest financial decisions of your life if not executed with prudence. It involves huge risks added with complex terms and conditions. Hence, it is important to get it done the right way. For a first time buyer, it is even more complicated.

The following guide will help you ascertain if you should get a mortgage in Berkshire advisor when to seek advice, where to get free mortgage in Berkshire advice, how your bank might be able to help, and which comparison websites you can check.

How to choose the right mortgage in Berkshire?

Mortgage in Berkshire advice: Yes or no?

Risks of not getting mortgage in Berkshire advice.
Speak to your bank and people you know
When to approach a mortgage in Berkshire adviser
Browse through different websites
Factors to be considered before choosing a mortgage in Berkshire

How to choose the right mortgage in Berkshire?

The mortgage in Berkshire market is incredibly competitive and fluctuating at the same time. With so many different products and options available from various providers, it gets quite difficult to come to a decision while selecting the best option for you. If you are among first-time buyers, everything is sure to go over your head.

However, there is no need to panic. The best and first is to approach your bank as well as a few independent mortgage in Berkshire advisors, to see what they have to offer. These initial discussions will give an idea of what the market is currently offering, how it all works, and which are the options that could serve your best. They will also help you learn about the different mortgage in Berkshire and protection features.

Given below is a guide that will navigate you through all the steps to help you study your options carefully before making a final decision.

Mortgage in Berkshire advice: Yes or no?

It is always a good idea to get in touch with an advisor.

The Financial Conduct Authority of UK mandates every Lender (banks and financial institutions) and mortgage broker in Berkshire to offer advice before recommending any mortgage for you.

Before giving out any suggestions, they will assess the level of mortgage in Berkshire repayments you will be able to afford by analyzing your total income, debt consolidation, and day-to-day spending. They will do the required calculation and adjustment to determine the amount of mortgage in Berkshire credit that suits your needs and financial capabilities to be able to keep up repayments on time.

Is it mandatory to go with your broker’s advice?

It is not mandatory to choose what your lender or broker suggests to you. You can select your deal as per your independent research and study too. Taking advice will definitely help you gain clear insights into all the aspects of the terms and conditions of the credit. It will provide you with the requisite answers you are seeking to select the best mortgage in Berkshire for you.

When you choose your own mortgage in Berkshire without seeking any kind of financial advice it’s termed as an “execution-only” application.

Risks of not getting mortgage in Berkshire advice

It is an act of prudence to do your homework before availing of any financial services from your mortgage broker in Berkshire. So, gather your financial information before you talk to lenders or brokers. the list of details that need to be ascertained is given as under:

If you are employed, then have your P60 forms (last 2 years) and last three payslips ready with you.
For self-employed people, have your tax returns duly certified by an accountant or professional adviser
Source of income: Take into account your income from all sources including regular, irregular, investments, and speculative income.

Evidence of daily expenses
Evidence of debts
You future affordability: This checks how you would be able to afford if there is an increase in the interest rate in the future
If you avail of a mortgage on the advice of your mortgage broker in Berkshire, which turns out to be unsuitable for you later on, then you’ll have more rights when you make a complaint. You will enjoy the right to make a complaint of financial mis-selling if the advice you were given turned out to be unsuitable for you.

However, if you do not take any advice from your mortgage in Berkshire advisor and go for it based on your independent research, you have to take full responsibility for your mortgage in Berkshire decision if the same turns out to be unsuitable in the future.

Consequences of nontaking mortgage in Berkshire advice:

If you end up with the wrong mortgage, you won’t enjoy any right to make a complaint of mis-spelling. your mortgage in Berkshire will turn into bad credit and it will prove to be a financial disaster for you.
You might be rejected by your lender for selecting a mortgage in Berkshire, which is not suitable as per your financial capabilities.
Hence, taking a decision after availing advice from your mortgage in Berkshire advisors is the best choice especially for a first-time buyer if you want to avoid bad credit later on.

Speak to your bank and people you know

Speaking to your banks is always a good starting point because they know your financial situation inside out. They will always advise you with the best commercial mortgages to go for depending on your needs. They do not charge any fee for their advice as it is a part of their customer service.

You can also talk to their friend and colleagues to learn about their mortgages. They can brief you on the terms and conditions. You can see how their products stack up against the competition before making a final choice.

When to approach a mortgage in Berkshire adviser?

A mortgage broker in Berkshire or advisor is a specialist in mortgages in Berkshire and possess in-depth knowledge of the market. They have the expertise and experience to study a wide range of mortgage in Berkshire products before suggesting the best option.

It’s a good idea to speak to a few of them to know about the offers prevailing in the market.

There are three main types of mortgage in Berkshire advisors in the market:

Advisors tied to a specific lender: They would provide you with mortgage in Berkshire advice and deals from a specific lender only. they will not look at a wide range of options for you. They generally provide free mortgage in Berkshire advice.
Tied to a limited list of lenders: As compared to a specific one, they would offer you financial solutions from a set of few lenders.
Not specific to any lender: They would look at various products from the whole market and provide you with a wide range of options based on your individual needs.
Advantages of using an advisor:
They’ll advise you based on your financial capability to make repayments on your mortgage in Berkshire, thus ensuring income protection.
They can offer you attractive deals and offers, which are otherwise not available if you search for a mortgage in Berkshire independently.
They will assist you with the paperwork, help you understand all the terms and conditions properly. Your applications get processed and approved faster.
They’ll help you take all the costs and features of the mortgage in Berkshire into account, beyond the interest rate.
They should only recommend a mortgage in Berkshire that is suitable for you and will tell you which ones you’re likely to get
You will enjoy protection in the future if the mortgage in Berkshire proves unsuitable to you.
Finding a mortgage in Berkshire advisor

Following are some of the top websites for finding details about mortgage in Berkshire advisors in Berkshire and other parts of the UK

Cherryfind.co.uk
bmadvisers.co.uk
landc.co.uk
Unbiased.co.uk
VouchedFor.co.uk
capitalfortune.com

Fees and charges

The fees and charges of a Mortgage in Berkshire advisor will depend on the type of financial solutions and services you avail of. It also depends on the type of product you choose and the value of the mortgage in Berkshire.

Some lender specific advisors may provide free advisory services because they receive a commission from their lenders on approved deals.

They will tell you the amount of fee they will charge and there won’t be in any hidden cost.

Once your broker makes a product recommendation they must give you a mortgage in Berkshire illustration document(s). This document outlines the terms and conditions of the mortgage in Berkshire along with the details of the loan. As it contains all the key facts on the mortgage in Berkshire, it is usually called a key facts illustration.

European Standard Information Sheet
The European Standard Information Sheet provides s standard format of pre-contractual information that needs to be provided by a lender while issuing a mortgage in Berkshire. The Mortgages Conduct of Business (MCOB) rules of FCA mandates every lender provide this document to their clients.

Factors to be considered before choosing a mortgage in Berkshire:

What most people look for while going for a mortgage in Berkshire is a low-interest rate. However, there are many other important factors that need to be considered before making a choice.

Some of the important factors are listed as under:

APRC: (Annual Percentage Rate of Charge): APRC is calculated by expressing the amount of mortgage in Berkshire fees and interest rate as a percentage.
Deposit size: Generally lower interest rates are available with higher deposit amounts.
The standard rate: It is the rate your mortgage in Berkshire will switch to once the fixed-rate deal ends.
Duration of interest?: Whether interest will be charged daily, monthly, or annually? Daily interest generally works out cheaper.
Flexibility of repayments: Can you overpay your mortgage in Berkshire before time without being charged? Can you take a break from making payments if at any time you are amidst a financial crisis?

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